Your car insurance information (from your identification card) Photos of the accident scene and vehicle damage. Even a small mistake could cause them to call the police, exchange information with the other driver, and notify their insurance company (regardless of whether you intend to file a claim). It's also a good idea to take pictures of the vehicles and properties involved; you may need documentation if the other driver files an insurance claim. From Detroit to the shores of Lake Superior, Progressive covers all your car insurance needs.
We'll help you determine your coverage options for car insurance in Michigan. Find out what you need to know about car insurance rates and requirements in Michigan, and the possible discounts you can get with us. A police report provides an official and detailed description of what happened in the accident. Police reports are required when it comes to injuries, significant damage, or extenuating circumstances.
However, you can act as your own detail-oriented advocate in case of minor incidents. In certain situations, your insurance company has the legal right to “subrogate,” meaning that it can ask the at-fault third party for reimbursement for an insurance loss. Understanding how the claims process works, including reporting an accident, working with an insurance adjuster and repairing your car, if necessary, can make filing a claim easier and less stressful. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy.
Michigan has a no-fault auto insurance law that requires drivers to report an accident to their own insurance company, regardless of who is at fault. You can also tell your own insurance company about the accident in case you need to file a claim against your own policy because the at-fault driver was uninsured, underinsured, or was denied liability by your insurer. Through subrogation, your insurance company can now try to recover the payment you made to the insurer that originally denied fault. Car insurance is a rare product that you buy in the hope of never using it, but if you're involved in an accident or your vehicle is damaged, you may need to file a claim.
However, car insurance rates vary depending on a variety of factors, including your driving history, as well as the limits and coverages you choose. For example, if you have reimbursement coverage for a rental vehicle, you may be entitled to a rental vehicle while it's being repaired. Keep in mind that while police officers sometimes determine fault, it can be a difficult and time-consuming task to prove to the insurance company that your insured driver caused the accident. If you are not insured by Progressive or are a Progressive customer without logging in to your account, you can report or view an existing claim here.
The process for filing a car insurance claim with your insurance company is similar, whether you have a police report or not. The amount of your policy's auto insurance deductible indicates how much you pay out of pocket for a covered claim, while your coverage limits represent the maximum dollar limit that your insurer could pay in a given category. If you have rental vehicle reimbursement coverage under your own policy, you will have coverage for a rental car regardless of fault, within the limits of your policy.